Why is Nebraska homeowners insurancethe most expensive in U.S.?

You'd think Nebraska homeowners would pay less for insurance than wildfire-scorched Californians or hurricane-whipped Floridians or routinely-soaked Carolinians, wouldn't you?

Nope. They pay more.

It's not because of tornadoes or even wind, though the state gets more than its share of both.

It's hail.

Case in point: on June 29, 2024, Cozad, NE, a burg of about 4,000, sustained $100,000,000 of hail damage from ONE storm of softball-size hail.

NPR notes that The central United States is home to the worst hail risk on the planet.

And Global Warming is making it worse.

Across the central and eastern U.S., the weather conditions that can produce hail that's at least the size of a pool ball have gotten more common, according to Deborah Bathke, Nebraska's state climatologist. And the Great Plains are expected to have more frequent hail as the planet warms up.

If you think Nebraskans are safe from Global Warming until future droughts wreck crops, you're already wrong.